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Leveraging Digital Finance Literacy to Enhance Financial Inclusion for Migrant Communities in Malaysia Risman, Asep; Syarif, Andam Dewi
Jurnal Penyuluhan dan Pemberdayaan Masyarakat Vol. 4 No. 3 (2025): Jurnal Penyuluhan dan Pemberdayaan Masyarakat (September)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jppm.v4i3.1484

Abstract

This Community Service Activity is intended to improve the financial inclusion of Indonesian migrant workers in Malaysia, focusing on those residing on Penang Island. As an integral part of the Indonesian diaspora, migrant workers often face challenges in accessing financial services, which in turn can affect their overall welfare. Enhancing financial inclusion is considered a strategic approach to supporting their economic well-being and long-term sustainability. The activity was carried out through educational interventions designed to strengthen digital finance literacy. The method involved a combination of lectures and practical training. The materials delivered included an overview of digital finance, types of digital finance services, their benefits, and step-by-step guidance on using digital financel applications—such as e-wallets and digital gold platforms. Practical components covered processes such as account registration, fund deposits and withdrawals, as well as transactions (purchasing and selling) within digital marketplaces in collaboration with financial technology providers. To evaluate the effectiveness of the program, a questionnaire was administered to participants. The results indicated that 73.3% of participants expressed a high level of satisfaction, while 57.3% perceived the program as important and beneficial. Tangible outputs from this activity include educational videos published on YouTube, articles featured in mass media, peer-reviewed journal publications, and registered Intellectual Property Rights (IPR).
The Influence Of Liquidity, Profitability, Leverage, And Firm Size On Stock Returns With Environmental Performance As A Moderating Variable In Energy Sector Companies Alansjah, Beni; Syarif, Andam Dewi
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 6 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i6.482

Abstract

This study aims to analyze the influence of liquidity, profitability, leverage, and company size on stock returns, with environmental performance as a moderation variable in energy sector companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. The method used is a quantitative approach with a panel data regression technique, using secondary data in the form of annual financial reports and PROPER scores from the Ministry of Environment and Forestry as indicators of environmental performance. The results of the study show that partially, only leverage has a significant negative effect on stock returns. Meanwhile, liquidity, profitability, and firm size did not show a significant influence. The environmental performance variable also does not have a significant effect on stock returns. However, the interaction between leverage and environmental performance has a significant positive effect, indicating that good environmental practices can moderate the negative impact of leverage on stock returns. These findings underscore the importance of integrating sustainability aspects into the company's financial strategy to increase investor confidence, especially in the energy sector which has high environmental risks.